What is AAA Insurance?

The American Automobile Association "AAA" is an insurance company founded in 1902 with a long history of support for car-related interests from a consumer perspective. They sell auto, homeowners, and life insurance and also have up to a dozen more lines across consumer and small business offerings.

April 8th, 2024

By: Gabriel Botelho

Insurance Types

Auto, Homeowners, Life, Renters, Landlord


  1. Introduction to AAA Insurance
  2. What Kinds of Insurance Does AAA Insurance Offer?
  3. Does AAA Insurance Sell Auto Insurance?
  4. Does AAA Insurance Sell Homeowners Insurance?
  5. How Does AAA Insurance Work?
  6. Pros and Cons of AAA Insurance
  7. Get Customer Support Or File A Claim For AAA Insurance
  8. Frequently Asked Questions

Introduction to AAA or Triple A Insurance

AAA Insurance is an insurance company focused on property insurance for car-owners. Founded in 1902 and headquartered in Heathrow, Florida the company has a long history of focus on car owners through what was originally a local club-based membership system.

What Kinds of Insurance Does AAA Insurance Offer?

AAA Insurance sells a variety of personal insurance lines auto, homeowners, renters, condo, earthquake, flood, pet, umbrella, landlord, and life as well as commercial business insurance lines.

Does AAA Insurance Sell Auto Insurance?

Yes, AAA's primary products are auto insurance and homeowners insurance often bundled together. They have had success in reaching buyers through car clubs and a bundle of other car-related services that come with a AAA membership. Other reviewers refer to them as being "more expensive than most other popular providers."

In addition to auto, AAA offers auto and homeowners coverage, often coupled with services, some of which have become eponymous like roadside assistance, with their insurance products.

Does AAA Insurance Sell Homeowners Insurance?

AAA Insurance also sells homeowners insurance. They strongly encourage purchasing multiple personal lines properties— called "bundling"—with auto insurance. If you purchase bundled insurance through AAA the higher total value of the bundle can make the 5% membership discount that comes with auto club more worth investigating.

Reviewed By:

A headshot of Max Cho, a licensed insurance broker and the founder and CEO of Coverage Cat

Max Cho Licensed Insurance Agent

I’m Max, the founder and CEO of Coverage Cat. Insurance has been a big part of my life since I lost my two front teeth in an accident and had to advocate for myself to get them replaced. Previously, I worked at Google, Microsoft, and at Two Sigma.

Licensed NPN 20377411 | Agency NPN 20397593

🔒We never sell your information!

How Does AAA Insurance Work?

AAA offers insurance to its members, policyholders, through a process that involves connecting with an agent or buying via their online portal. Prospective buyers should be aware that there are state-by-state and even county-by-county differences in AAA organizations that can impact their price, point of contact for sales, and customer support organizations.

AAA insurance makes money by collecting premiums for customers and using them to administer insurance, reserve fees as needed for a larger mission/organization, expansive customer support and services, and split them with their local insurance partners.

Pros and Cons of AAA Insurance

Pros

  • A (Excellent) financial ratings from AM Best for many of their major insurance partners like the CSAA 

Cons

  • Decentralized nature and branding of AAA Insurance's service can be tough to navigate
  • Additional services and a mission come with higher administrative burdens and sometimes higher premiums

Get Customer Support For Or File A Claim With AAA Insurance

For claims, find the appropriate insurance company on Triple AAAs claims portal here and use the appropriate link to process your claim. Many of the partner insurers also have emails and payment phone numbers and some have mailing addresses.

There is a toll-free customer service number 800-922-8228 which is also listed as a claims phone number as well as a separate line for online support on AAA.com 888-929-2911.

Frequently Asked Questions 

Should I Buy AAA Insurance?

For AAA insurance, make sure you don't need a membership before finalizing your quote. Using their online portal will make the service boundaries clear based on your ZIP code.

It is your decision whether or not to buy AAA insurance, but you should use a tool like Coverage Cat to compare options across the market and ensure you're getting all the discounts available to you.

Is AAA Insurance a Real Insurance Company?

AAA Insurance is a real insurance company. It operates under a decentralized structure with many different state organizations and insurers pooling together to sell auto insurance across different regions in the United States.

To describe it in different terms: AAA is a decentralized brand / lobbying group that operates in a decentralized fashion and procures insurance as such.

Some sub-branches, like the one responsible for much of California claim a 90+ year history of having AM Best 'A` or better ratings.

How Does AAA Insurance Make Money?

AAA Insurance makes money by collecting premiums from its policyholders for coverage.

Is Using AAA Insurance Worth It?

AAA insurance can be a good choice for buyers when their price and coverage, accounting for discounts, beats or at least matches other competitive options in the insurance marketplace. Before any insurance purchase, search across the marketplace for the best possible coverage and price to fit your needs.

Reviewed By

A headshot of Max Cho, a licensed insurance broker and the founder and CEO of Coverage Cat

Max Cho Licensed Insurance Agent

I’m Max, the founder and CEO of Coverage Cat. Insurance has been a big part of my life since I lost my two front teeth in an accident and had to advocate for myself to get them replaced. Previously, I worked at Google, Microsoft, and at Two Sigma.

Licensed NPN 20377411 | Agency NPN 20397593

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